Best Empower (Personal Capital) Alternatives in 2026

Empower (formerly Personal Capital) built its reputation as the best free portfolio tracker and net worth dashboard. For years, it was the go-to recommendation for anyone wanting to see all their financial accounts in one place. But since the rebrand and increased focus on selling advisory services, many users are searching for Personal Capital alternatives that maintain the tracking magic without the constant upsells.

Whether you are frustrated by Empower's advisory sales calls, concerned about the platform's direction post-rebrand, or simply want a tool with better intelligence features, this guide covers the best alternatives in 2026.

Why Leave Empower (Personal Capital)?

The platform still works, but several trends are pushing users toward alternatives:

• Advisory upselling: If your accounts cross $100K+, expect persistent calls from their advisory team
• Feature stagnation: The free dashboard has seen minimal innovation since the Empower acquisition
• Rebrand confusion: The shift from Personal Capital to Empower fractured the user experience and trust
• Basic intelligence: It tracks balances well but provides minimal actionable insight about what to DO with your money
• Slow account syncing: Many users report increasing reliability issues with account connections
• Mint refugees: With Mint shutting down in 2024, many former Mint users tried Empower but found it lacking for their needs

If you want a wealth tracking tool that is actually innovating in 2026, these alternatives deliver.

Quick Comparison Table

| Platform | Best For | Free Tier | Paid Price | Account Linking | Net Worth | Investment Intelligence | |----------|----------|-----------|------------|-----------------|-----------|------------------------| | Helm Terminal | Portfolio intelligence + alerts | Yes | Free (Pro coming) | Yes (Plaid) | Yes | Yes (automated) | | Monarch Money | Budgeting + net worth (Mint replacement) | 7-day trial | $10/mo | Yes (Plaid) | Yes | Basic | | Copilot | Beautiful iOS-first finance | No | $11/mo | Yes | Yes | Basic | | Kubera | Ultra-HNW + alternative assets | No | $15/mo | Yes (Plaid + crypto) | Yes | Basic | | New Retirement | Retirement planning + projections | Yes (limited) | $10/mo | Yes | Yes | Planning-focused | | Mint (RIP) | Was: free budgeting + tracking | Discontinued | N/A | N/A | N/A | N/A |

A Note on Mint

Mint shut down in early 2024, and its users scattered across multiple platforms. If you are a former Mint user who tried Empower and found it too investment-focused (or too pushy with advisory sales), several alternatives below cater specifically to your needs. Monarch Money and Copilot have absorbed the largest share of Mint refugees.

1. Helm Terminal

Best for: Investors who want their portfolio actively monitored, not just passively displayed

Helm Terminal occupies a different category than Empower. While Empower shows you your balances and allocation pie charts, Helm acts as an intelligence layer that proactively monitors your portfolio and alerts you to what matters.

Key Features

• Plaid-linked account aggregation: Connect brokerage accounts across Schwab, Fidelity, Vanguard, and hundreds of other institutions
• Automated intelligence engine: Seven detection rules scan your portfolio daily — concentration risk, unusual movements, dividend events, sector drift, and more
• Actions Inbox: A prioritized feed of portfolio-specific insights and recommended actions
• Real-time market data: Live US equity pricing, not the delayed refreshes Empower provides
• Terminal-grade interface: Built for high-agency investors who want data density without clutter
• Stock analysis: Deep-dive into any holding at /analyze with fundamental data and news sentiment

Where Helm Wins Over Empower

Empower tells you "your portfolio is up 2.3% this month." Helm tells you "your NVDA position crossed 25% of your portfolio, your tech sector exposure is 3x the S&P 500 weighting, and your MSFT dividend pays next Tuesday." It is the difference between a dashboard and an analyst.

What Helm Does Not Do (Yet)

• Banking and budgeting (this is not a budgeting app — it is an investment intelligence terminal)
• Net worth tracking across non-investment accounts (coming in Pro)
• Retirement planning projections
• Advisory services

Pricing

Free tier with full portfolio intelligence. Pro tier coming soon for expanded features.

Try Helm free — institutional-grade intelligence without the advisory sales calls.

2. Monarch Money

Best for: Former Mint users who want budgeting AND net worth tracking

Monarch Money has positioned itself as the premium Mint replacement. It combines budgeting, net worth tracking, and basic investment visibility in a polished modern interface.

Key Features

• Full budgeting system with categories, goals, and recurring detection
• Net worth tracking across all account types (bank, investment, property, crypto)
• Collaboration features for couples (shared finances)
• Cash flow forecasting and bill tracking
• Custom reports and flexible date ranges
• Clean, modern UI that feels like a 2026 product

Limitations

• No free tier (just a 7-day trial)
• Investment analysis is surface-level — no automated intelligence
• No proactive alerts about portfolio risk or concentration
• Primarily a budgeting tool that also shows investments, not an investment tool
• No real-time market data

Pricing

$10/month or $90/year after 7-day free trial.

Verdict

Monarch is the best Empower alternative if budgeting is your primary need and investment tracking is secondary. It is what Mint should have become.

3. Copilot

Best for: Apple users who want beautiful design + personal finance tracking

Copilot is an iOS and Mac-first finance app that prioritizes design and user experience above all else. It has won Apple Design Awards and attracted users who care as much about aesthetics as functionality.

Key Features

• Stunning iOS and Mac native design
• Automatic transaction categorization with AI
• Net worth tracking across linked accounts
• Subscription tracking and bill monitoring
• Investment performance with simple visualizations
• Yearly and monthly trend analysis

Limitations

• Apple ecosystem only (no Android, no web app)
• No free tier — starts at $11/month
• Investment features are basic (portfolio display, not intelligence)
• No proactive portfolio alerts or risk analysis
• Limited customization compared to Empower's dashboards
• No retirement planning tools

Pricing

$11/month or $70/year (Apple only).

Verdict

Copilot is the premium choice for Apple users who want a beautiful daily finance experience. It does not match Empower's investment depth, but it far exceeds it in design quality.

4. Kubera

Best for: High-net-worth individuals tracking alternative assets

Kubera is built for wealthy investors whose portfolios extend beyond stocks and bonds into real estate, crypto, private equity, collectibles, and international holdings. If Empower cannot handle your asset complexity, Kubera can.

Key Features

• Track any asset class: stocks, crypto, real estate, art, private equity, domains, vehicles
• Crypto wallet and exchange connections (DeFi included)
• International bank and brokerage support
• Beneficiary and estate planning documents
• Net worth tracking with custom manual assets
• Multi-currency support

Limitations

• No free tier ($15/month minimum)
• No automated investment intelligence or proactive alerts
• Interface is functional but not particularly inspiring
• No budgeting or cash flow features
• Limited analysis — primarily a tracking and display tool
• Smaller company with less development velocity

Pricing

$15/month (individual), $22/month (family).

Verdict

Kubera is the right choice if your wealth is distributed across alternative and international assets that Empower and traditional tools cannot connect. For standard US brokerage accounts, other options offer more intelligence.

5. New Retirement (now Boldin)

Best for: Pre-retirees and retirees focused on financial planning

New Retirement (recently rebranded to Boldin) is the most comprehensive retirement planning tool available to individual investors. While Empower offers basic retirement projections, New Retirement builds detailed plans accounting for Social Security, pensions, tax optimization, and withdrawal strategies.

Key Features

• Detailed retirement planning with Monte Carlo simulations
• Social Security optimization strategies
• Tax-efficient withdrawal planning (Roth conversions, RMDs)
• Estate planning projections
• Account linking for current balance tracking
• "What if" scenario modeling (early retirement, market crashes, health costs)

Limitations

• Focused almost exclusively on retirement planning — not general portfolio intelligence
• No proactive daily monitoring of holdings
• Limited value for investors under 40
• No budgeting or spending tracking
• Real-time market data is not a priority
• Interface is functional but information-dense

Pricing

Free (basic plan), Plus at $10/month with full planning features.

Verdict

If you are within 15 years of retirement and your primary concern is "will my money last?", New Retirement/Boldin answers that question better than any alternative. For investors focused on growing and monitoring their portfolio today, it is less relevant.

How to Choose Your Empower Replacement

The right alternative depends on what you actually used Empower for:

"I used it to see all my investments in one place"

Choose Helm Terminal. It connects to your brokerages via Plaid AND actively tells you what matters in your portfolio. More than a dashboard — it is an intelligence system. Connect your accounts in under 2 minutes.

"I used it for budgeting and net worth"

Choose Monarch Money. It is the most complete budgeting + net worth tool available, designed by people who understood what made Mint good.

"I used it to plan for retirement"

Choose New Retirement (Boldin). Its retirement planning depth far exceeds what Empower offered for free.

"I have complex assets (crypto, real estate, international)"

Choose Kubera. It handles asset classes that traditional tools cannot even connect to.

"I just want something beautiful on my iPhone"

Choose Copilot. Nothing else in this category matches its design quality on Apple platforms.

The Stack Approach

Many former Empower users find that no single tool replaces everything. A common 2026 stack:

• Helm Terminal for daily portfolio intelligence and monitoring (explore analysis features)
• Monarch Money for budgeting and cash flow (if needed)
• New Retirement for long-term planning (if near retirement)

This combination costs less than the hidden advisory fees Empower was trying to sell you, and delivers far more value.

The Bottom Line

Empower's free dashboard was genuinely revolutionary when Personal Capital launched it in 2011. But in 2026, the platform feels like it exists primarily to funnel users toward advisory services rather than to innovate on the tracking and intelligence experience.

The alternatives above each outperform Empower in their specific domain. And if your primary need is "show me what matters in my portfolio without me having to dig for it," Helm Terminal was purpose-built for exactly that workflow.

Get started with Helm Terminal for free — portfolio intelligence that works for you, not the other way around.